View 1999 Porsche 911 Insurance Cost

Feel like you’re a prisoner to high-priced insurance coverage? Trust us when we tell you you’re not alone. Lots of auto insurance companies contend for your business, so it’s not easy to compare every insurer to discover the definitive lowest rate

Compare quotes for insurance

Getting cheaper 1999 Porsche 911 insurance pricing can be surprisingly simple. You just have to spend a few minutes on the computer to compare rate quotes online with multiple companies. Insurance prices can be quoted in several different ways.

The recommended way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for repetitive form submissions for every insurance company. A single form gets coverage cost estimates from insurance companies with the best prices.

A more time consuming way to compare rate quotes requires you to visit the website of each company and fill out a new quote form. For instance, we’ll pretend you want to compare rates from State Farm, Allstate and Geico. You would have to visit each site and punch in your information repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make sure you compare identical information for every quote you compare. If you compare different coverage information you will not be able to determine which rate is truly the best.

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Get affordable insurance quotes with discounts

Insurance is not cheap nor is it fun to buy but companies offer discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but a few need to be specially asked for prior to getting the savings.

• Anti-lock Brake System – Vehicles with ABS and/or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
• Own a Home – Owning your own home or condo can help you save on insurance due to the fact that maintaining a home is proof of financial responsibility.
• Paper-free Discount – A few insurance companies provide a small discount simply for signing on the internet.
• Save with a New Car – Buying a new car instead of a used car can save you some money because new model year vehicles keep occupants safer.
• Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
• Government Employee Discount – Active or retired federal employment can save as much as 8% for 911 coverage with select insurance companies.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and earn discounts up to 10% off your insurance quote.
• Passenger Safety Discount – Cars that have air bags could see savings as much as 30%.
• Discounts for Multiple Vehicles – Having several vehicles on one policy could earn a price break for each car.
• Waiver for an Accident – but some insurance companies allow you one accident without raising rates if you are claim-free for a specific time period.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts are:

• State Farm has discounts for Steer Clear safe driver discount, anti-theft, driver’s education, student away at school, good driver, and multiple policy.
• Geico policyholders can earn discounts including defensive driver, five-year accident-free, membership and employees, emergency military deployment, military active duty, seat belt use, and multi-vehicle.
• SAFECO offers premium reductions for safe driver, anti-lock brakes, teen safe driver, accident prevention training, multi-car, drive less, and anti-theft.
• Farmers Insurance may have discounts that include pay in full, early shopping, electronic funds transfer, switch companies, youthful driver, and business and professional.
• AAA offers discounts for good student, education and occupation, pay-in-full, good driver, and AAA membership discount.
• USAA may include discounts for good student, loyalty savings, multi-vehicle, vehicle storage, family discount, defensive driver, and safe driver.

Before you buy a policy, ask all companies you are considering which credits you are entitled to. A few discounts may not apply to policyholders in every state. To choose insurance companies that offer discounts, click here to view.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions might point out if your situation may require specific advice.

• Do I need replacement cost coverage?
• What if I total my 1999 Porsche 911 and owe more than it’s worth?
• How do I insure my teen driver?
• Am I covered when driving in Canada or Mexico?
• Is there coverage for injuries to my pets?
• Am I covered when using my vehicle for business?
• Do I need more liability coverage?
• Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

You can change your insurance premiums

Multiple criteria are part of the calculation when you quote your car insurance policy. Most are fairly basic like a motor vehicle report, but other criteria are more transparent like your continuous coverage or your vehicle rating.One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that aid in calculating your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may reward you with cheaper rates.

• Do you know your physical damage deductibles? – Insurance for physical damage, aka comp and collision, helps pay for damage to your vehicle. Examples of covered claims are a broken side mirror, flood damage, and rolling your vehicle. Physical damage deductibles tell how much you are willing to pay in the event of a claim. The more of the claim you’re willing to pay, the less your insurance coverage will be for 911 coverage.
• Drive fewer miles and save – Driving more miles annually the more you’ll pay to insure your vehicle. Most insurance companies calculate prices determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate than those used for commuting. Verify your policy shows how each vehicle is driven, because it can save money. Having an incorrect usage rating on your 911 is just wasting money.
• A lcoverage lapse is a bad thing – Going without insurance will be a fast way to increase your rates. Not only will you pay higher rates, the inability to provide proof of insurance can result in fines and jail time. You may need to file a SR-22 with your state motor vehicle department to get your license reinstated.
• Incidental coverages can add up – There are a ton of optional add-on coverages you can purchase but may not be useful. Things like rental car coverage, high-cost glass coverage, and Farm Bureau memberships are some examples. The coverages may be enticing when deciding what coverages you need, but if you have no use for them think about removing them and cutting costs.
• The higher your credit score the lower your costs – Having a bad credit history is likely to be a major factor in your rate calculation. Drivers with high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores. Therefore, if your credit history can use some improvement, you could pay less to insure your 1999 Porsche 911 by improving your credit score.

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Will you really save $420 on insurance?

Consumers can’t avoid all the ads for cheaper insurance by Allstate, Geico and Progressive. They all make an identical promise about saving some big amount just by switching your insurance coverage to their company.

That’s great but how can every company sell you cheaper insurance coverage? It’s all in the numbers.

All companies have strict underwriting profiles for the type of insured that will add to their bottom line. An example of a profitable risk profile may be over age 30, has a clear driving record, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get a cheap rate quote and will most likely save money with a new company.

Insureds who don’t measure up to those criteria may be required to pay a more expensive rate with the end result being the customer not buying. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make the claims of big savings.

This illustrates why you need to get as many free insurance quotes as possible. It’s not possible to predict with any certainty which company will provide the lowest prices.

Specific coverage details

Having a good grasp of a insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, crashing into a building and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Liability auto insurance

This protects you from damages or injuries you inflict on other people or property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as structural damage, repair bills for other people’s vehicles, emergency aid, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like chiropractic care, dental work, hospital visits, doctor visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 1999 Porsche 911.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, vandalism, a broken windshield, fire damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Final thoughts

We just covered many ideas to get a better price on 1999 Porsche 911 insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting cheaper insurance. You may even discover the lowest car insurance rates come from the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, it’s a bad idea to buy less coverage just to save a little money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The aim is to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

To learn more, feel free to browse the articles below:

• Understanding Limits and Deductibles (Allstate)
• Car Insurance FAQ (Trusted Choice)
• Drunk Driving Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)

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